Re: Orchard Bank/HSBC

I've never had any issues with Orchard, Have two cards with them...one from 2005 and one from 2007, both with $1000 limit and they both started at $300 but one is a 2% cash back. I think they are very good re-builder cards, I got regular CLI every six months or so until this year. They were only $200 at a time but it helped rebuild my credit and since I've been able to get Cap1 VentureOne and just the other day Discover with $4000 and $2000 CL. Their customer service is OK if you get get someone here in the states which depends on what time you call.

Re: Orchard Bank/HSBC

Sorry to all those that were unfortunate to get an AF, but my 400 dollar best buy card only sticks around because there is no AF and they have given me one CLI so far. Its not costing me anything to keep it around, so why not?

Re: Orchard Bank/HSBC

I've never had any issues with Orchard, Have two cards with them...one from 2005 and one from 2007, both with $1000 limit and they both started at $300 but one is a 2% cash back. I think they are very good re-builder cards, I got regular CLI every six months or so until this year. They were only $200 at a time but it helped rebuild my credit and since I've been able to get Cap1 VentureOne and just the other day Discover with $4000 and $2000 CL. Their customer service is OK if you get get someone here in the states which depends on what time you call.

I agree -- The Orchard credit cards a good at rebuilding credit, however they will not grow with you as your score get better. The only reason I am hanging on to my old Orchard cards (both opened in 2007) is because neither one has an AF.

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